Up to ₹50 Lakhs personal loan starting @ 9.98% per annum

Why choose Paisawaala for personal loans

Why millions trust Paisawaala for loans

  • Transparent comparisons
    See interest rate, EMI, and fees side-by-side, and pick what fits your budget.

  • Pre-approved offers
    Get matched offers that speed up approval and help you move faster.

  • Soft-check eligibility
    Check what you qualify for without a hard credit pull.

  • Fully digital, fast disbursal
    Apply, verify, and receive funds, all online and paperless.

How it works

Your loan journey made simple

Complete in minutes, many customers receive funds within 24 hours post-approval.
  1. Enter details, loan amount, salary, job, and city.

  2. Get matched offers, personalised offers from 35+ lenders.

  3. Verify identity, e-KYC + bank statement upload, secure and paperless.

  4. Choose & disburse, pick an offer; money moves to your account.

*PW is an aggregator; lenders decide final approval and interest.
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FAQs

  • Will checking my eligibility hurt my credit score?
     No. We use a soft check to show you potential offers; it does not affect your credit score.

  • How fast will I get the money?
     Many customers receive funds within 24 hours of final approval. Exact timing depends on the lender.

  • Are there hidden charges or fees?
     No. All fees, processing charges, late payment charges, and prepayment charges are clearly shown before you confirm.

  • Which documents will I need?
     Aadhaar, PAN, latest salary slips (or Form 16), & 3 months of bank statements. Everything was uploaded securely online.

  • Can I compare multiple offers?
     Yes. PW lists live offers from 35+ lenders so you can compare interest, EMI, and fees.

  • What happens if I miss an EMI?
     Your lender’s policy applies. We send reminders prior to due dates. Late fees and interest will be charged by the lender.

  • Who is eligible to apply?
     Salaried professionals aged 22–60 with a minimum income (varies by lender). Exact eligibility is shown after soft-check.
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Paisawaala Cashback Offer – Terms & Conditions
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1. What is the Offer?

As part of this offer, customers (“You” or “Customer”) can apply for an eligible unsecured loan through Paisawaala website, app, or other Paisawaala-owned channels where the offer is mentioned. Once your loan is approved and disbursed, you will be eligible to receive a gift card/voucher (“Gift Card”) as specified in the communication.

Voucher value based on loan amount:

  • Loan of ₹5,00,000 or more → Voucher worth ₹1,500
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2. How to Get Your Amazon Gift Card

  • Gift Cards are given only after the successful disbursal of the loan through Paisawaala channels using the offer link.
  • The voucher will be sent to the mobile number used during your application.
  • Gift Cards will be issued within 45 working days of loan confirmation.
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3.  Offer Period

  • Offer is valid from 20-12-2025 00:00:00 to 31-01-2026 23:59:59.
  • Only loans applied and disbursed within this period through the specified entry points are eligible.
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4. Eligibility

To participate in this offer, you must:

  • Be 18 years or older with a valid PAN
  • Apply for an eligible loan via Paisawaala during the offer period.
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5. Important Notes

  • This offer is run exclusively by Paisawaala. It is not sponsored by Amazon or the lending partners.
  • Amazon Gift Cards can only be used on Amazon.in or its partner platforms.
  • Gift Cards are non-transferable, non-redeemable for cash, and valid for 1 year.
  • Paisawaala or lenders are not responsible for lost, stolen, or misused Gift Cards.
  • All terms of the individual lending institutions also apply.
  • By participating, you consent to be contacted by Paisawaala or its partners for offer-related communication.
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6. General Terms

  1. Offer applies only to individual customers and not for commercial entities.
  2. Loans must be successfully disbursed to be eligible.
  3. Offer is valid only through the specified entry points.
  4. Paisawaala employees or group company employees are not eligible.
  5. Paisawaala reserves the right to determine eligibility and make final decisions.
  6. Offer and Gift Cards are subject to availability.
  7. Loan approval is at the sole discretion of the lender.
  8. Any tax liability arising from the offer is the responsibility of the customer.
  9. Paisawaala may modify, cancel, or withdraw the offer at any time without prior notice.
  10. Participation is voluntary, and fraudulent activity may lead to disqualification.
  11. Offer is governed by Indian law. Any disputes fall under the courts in Gurugram, Haryana.
  12. The voucher will be sent to your registered email ID and mobile number, and will remain valid only for the offer period.